Hello, I am very happy to answer your question. I am also experiencing the same thing as you now. Regarding this problem, I will tell you my own solution. I hope it will be helpful to you!

1. Try not to demolish one thing to pay for the other. In order not to be overdue or on the credit blacklist, borrow money from this online loan company to repay another online loan. If you have no fixed income, this is the way to go. You will only owe more and more. You must know that the interest rate of online loans is very high. Try to find relatives and friends to make a turnover.

2. Increase your income as much as possible. Only by increasing your income can you Solve the problem fundamentally.

3. All credit card debts must be paid. Once overdue, it will have a great impact on your future life. You can communicate with the bank about a reasonable repayment plan based on your actual situation. < /p>

4. Check which of the online loans you borrowed have a credit report. You can deal with the debts of these online loans first. As for online loans that do not have a credit report or the interest rate exceeds the national regulations, the interest rate is too high. For high-priced online loans, you can negotiate with them to only repay the principal, but you must repay them.

Generally speaking, online loans are harmful to people. If you can, touch them all. Once you get out, you must remember not to touch them. Before entering the pit, it is the last word to work steadily and work hard to make money. Finally, I wish you can pay off the loan as soon as possible and live in peace of mind! Thanks!

Hello, I am happy to answer your question. Someone just asked a question similar to yours, and he also had a debt of 400,000.

Young people today are all the same. I owed hundreds of thousands more than you when I started my business, from online loans, credit cards, and from relatives and friends. Now it's half the same.

In your situation, every day is a repayment day. If you only owe money online, you can find relatives or friends to make arrangements and agree on a repayment date. Two or three years is more suitable. They won't charge you much, and the interest rates online will scare you to death. This is the most important thing. In addition, you must try your best to increase your income. In addition to your regular job, you can also do side jobs. Many people’s side job income is higher than their fixed salary. For example, when I have money, I pay back the Internet first. The sooner you pay off the loan, the better. Now I have finished paying off the online loan, and I have been paying off the credit card using the repayment software. Do not overdue the credit card, as the consequences will be very troublesome.

My credit card and online loan amounted to more than 400,000. I lost money in business before, but it has not been overdue yet. I must find a way to maintain turnover. The credit card limit is cyclical. If it is overdue, it will form a chain. The reaction will completely collapse by then! Let me talk about how I turn around, because the loan limit of 150,000 from Alipay is based on interest first and then principal and is recyclable. The loan limit of 88,000 from Jingdong Gold Bar is also recyclable after interest first. So the loans from these two places Basically, I just need to keep paying interest every month. My interest rate is relatively low. I am not overdue yet and my limit is still rising. So this has basically solved half of my loan. I have made installments for the 117,000 limit from China Merchants Bank and 49,000 from Guangfa. CCB 34,000, Bank of China 40,000, and a loan of 25,000 from Bank of China and 22,000 from China Merchants Union. Currently, these quotas are in circulation. The key is to maintain funds from some large-amount channels. Don’t lend too much, and don’t touch general online loans. , the interest rate is too high, you can’t even pay the interest every month! Currently, I have a job where I am working on a turnover first and then slowly repaying it. As long as it is not overdue, I can repay it like this first! If it is overdue, many credit cards will only be repaid and cannot be recycled!

Like you, there are actually a lot of people in a similar situation. Whether it is a credit card or an online loan, people originally wanted to temporarily turn over funds, or temporarily relieve financial pressure, or enjoy it in advance. No matter what the purpose of life is, don’t forget that you have to pay it back eventually, and with interest!

In this situation, it is easy for people to make ends meet without knowing it. In order not to be overdue or on the credit blacklist, some people often resort to demolishing one wall to make up for the other, which seems to be getting along well. , In fact, this is not the case. Such people are actually in many dangers. Once something changes, many people will find it difficult to cope with it!

So, here, I would like to emphasize again that your total credit limit should not exceed your annual income. If you use credit cards, the number of credit cards in your name should not exceed 5. This is very important and should be remembered. Live!

You said that you currently have 400,000 in credit cards and online loans, and you are repaying it almost every day. If it has not been overdue, you are lucky! The most urgent thing you need to consider is how to increase your income. Only by continuously increasing your income can you fundamentally change your current situation.

Judging from this year’s situation, most industries will not be very prosperous. If you want to have a considerable income, I suggest you consider these two industries, one is self-media and the other is payment. industry. Why should I recommend these two industries? Because these two industries themselves have a characteristic, the passive income brought by traffic, some people jokingly call it after-sleep income! Under normal circumstances, as long as you keep working hard, your income will be enviable for a year or so. By then, your debts will be easily solved, and you will no longer have to worry about repaying the money every day!

Okay, that’s all I have to say. I hope it will be helpful to you and people in similar situations. Everyone is welcome to comment and leave messages. [Handshake][Handshake]

The situation is similar to yours, but through my wife and I’s part-time jobs as convenience store and social e-commerce Taobao customers, it’s almost finished!

When I was 16 years old, I had a comfortable life. I went to and from get off work every day and only thought about how to have fun and eat well! But it is this kind of life that makes my life circle full of fun-loving people. There are all kinds of things to play. Suddenly one day, a friend said that he made more than 1,000 yuan a day playing this (online gambling). I didn’t believe it at first, but I couldn’t stand the information being passed on every day. I slowly started to play with him. At the beginning I pressed 10 yuan for 10 yuan, and I really won more than 1,000 yuan in one day. I thought I had found a way to make money, and I started making big bets. However, within a few days of winning, I started losing, and kept losing. Because I had the experience of winning before, I thought I was just unlucky, so I started to study the way to win, and the results were predictable. I kept trying and losing. The more I lost, the more I wanted to make money. Tell yourself this. After I won my money back, I stopped playing. I started to use credit cards and borrow money from relatives and friends. In the end, I even took out a loan for the only wedding house my father bought for me. I lived like a ghost, and I only woke up when I had nothing to lose and nothing to borrow, but by that time it was already I owe more than 400,000!

I had no choice but to confess to my girlfriend. Fortunately, my girlfriend didn’t give up on me at the time and said we would pay it back slowly together.

I also made up my mind not to gamble anymore, but I couldn’t pay it back with my salary from work, not even the interest was enough! Finally, my girlfriend raised 150,000 from her family, and we bought a small convenience store. Accumulating bit by bit, it has been 3 years now. The basic debts have almost been paid off.

Now I can pay off my debts with the money I earn every month, and I also have enough time in the store. I do some part-time jobs such as social e-commerce Taobao customers, and I can live a normal life basically!

Therefore, I would like to advise those who are addicted to online gambling not to think about getting rich overnight, and not to think about making money if you lose. If you have already lost. And you already have debts that you can't repay. I hope you can do some work in a down-to-earth manner and use your free time to do some reliable part-time jobs. Like me, use all the time you can and work hard to pay off the debts. Return to normal life!

First of all, don’t panic, because the more you panic, the more clueless you will be. Find a place by yourself, calm down and analyze your debt structure. The money must be repaid. After all, it is natural for the copycat to repay the money, so don’t try to escape. Then, based on your income, focus on paying off credit cards with higher loan limits first. After all, credit cards are issued by banks. If you don't repay more than 50,000 yuan, the bank will collect money or even sue you based on your overdue status. When it comes to online loans, many companies have violations. If you are unable to pay back, you can give it a little less time. Tell the collector that you want to repay the loan, but you just don’t have the money now. For someone like you, a 400,000 yuan credit card online loan will probably cost a lot of money to check your credit, so don’t think about using the loan to support the loan and continue to borrow online loans. This will make you sink deeper. Online loans are untouchable. You need to close the loan as soon as possible. right. In the end, the most important thing is to work hard to make money. After all, only when the income keeps up can the debt be paid off. It will be helpful to you as well.

Stop using loans to support loans, find a stable job to ensure a basic living, answer collection calls as usual, explain your current situation, and then find a side job to work part-time, or find a way to find a project Starting a business means starting from now on and thinking about how to make money. You will never be able to pay back your part-time job. I hope this advice from someone who has been overdue for an online loan credit card for more than a year will be helpful to you

I also have this experience. , but we must face the reality. But when you have used all your connections and used all your connections but still cannot solve this problem, you need to carefully plan which repayments are more urgent and which repayments are more expensive? Which repayments can be deferred. First, first of all, calm down and calm down, because no matter how you complain or how depressed you are now, you must face everything bravely, stay away from negativity, and not be affected by negative effects, because now things have already existed and the facts have In front of you, no matter how much you complain, you can't change the current result. There is no way to change it. Second, find a job or job first. First, have a certain source of living and a certain income to solve the problem of food and clothing. Third, take the initiative to contact the debtor. Or Ji said that when you receive a call from a debtor, don't run away, correct your mentality, explain your current predicament, and get the understanding and recognition of the debtor, because it is natural to pay back debts. This is the time to reflect a man's sense of responsibility, a man's aboveboardness and a man's overall feelings. Fourth, monthly wages are distributed according to a plan. Those with smaller arrears should be paid first, those who are more urgent, and those who can negotiate with others should pay one or two hundred first. Be careful not to turn off the phone. Fifth, endure humiliation, be honest, work conscientiously, and do not take advantage of opportunities. Especially cherish your current job. If it is possible to change to a higher-paying job, firmly believe that your own problems will be solved. I also believe that the environment will get better and better. We are also grateful to the debtors for their help and support. With understanding, encouragement, motivation, and tolerance, we will definitely get better and better.

Hello, I have a friend like this who can understand your pain. The best way is to think about whether you have any friends or relatives who are rich and have spare money. You have a good relationship with them and are sure to help you. Ask them to lend you more than 400,000 yuan at a time to help you pay off this debt. Write down how much interest you will pay. IOU.

There is another way to pay off the loan for a full month first, so that you can take a breath and spend a month thinking about how to make money to repay the loan. As long as you have not been blacklisted, you will be able to turn over if you are hard-working, responsible and confident. come on!

I also had a debt of more than 400,000 yuan before. I hope my experience can help you. Every day should be a repayment day. It is also a headache to face this bill. It took a long time to get out of it. Foreign debts are all You have caused it yourself, there is no way, you can only rely on your own strength to bear it, and rely on your own efforts

At this time, you must not tear down the east wall to pay for the west wall, otherwise it will only get bigger and bigger, and the debt will not be there. Reducing it just moves the time back. You will still have to face it when the time comes. If you can't bear it, you can tell your family and ask relatives and friends to borrow some and pay it back as soon as possible.

If you still can't pay it, , then if it is overdue, you must be strong mentally. When faced with debt collection, you must face it with strength. Discuss the repayment method with others. If it is not that you will not pay back, but that you cannot afford to pay it back temporarily, then you must actively face it. That’s right!

Then you have to keep yourself busy, find a regular job, ensure a basic life, and then use all the time besides going to work, eating, and sleeping to do your side job, so that you can have more time. Only by increasing your own income will your debts be gradually reduced. At this time, you must work hard and persist. When you can't persist, think about your foreign debts, and you will be full of motivation, because I That’s how I kept going, and my income increased with my efforts! Come on, get ashore as soon as possible!